| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN MICHAEL BERG | STE 505 8220 SAN PEDRO NE ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $13K | $3K | $16K | 8.22% |
| BEN MILLER3 | STE 1600 1873 S BELLAIRE ST DENVER, CO 80222 | NORTHWESTERN MUTUAL | $3K | $818 | $4K | 2.05% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GROUP INC | 5251 W 116TH PL STE 300 LEAKWOOD, KS 66211 | NORTHWESTERN MUTUAL | $2K | $303 | $2K | 1.16% |
| STEVEN A TRUJILLO3 | 601 UNION STREET SUITE 2500 SEATTLE, WA 98101 | NORTHWESTERN MUTUAL | $1K | $396 | $1K | 0.76% |
| THEODORE FINANCIAL GROUP INC Filed as: THEODORE FNCL GROUP INC | STE 1600 1873 S BELLAIRE ST DENVER, CO 80222 | NORTHWESTERN MUTUAL | $699 | $84 | $783 | 0.40% |
| ALEX MALCOLM SWAINSBURY3 | STE 240 10500 E BERKELEY SQ PKWY WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $399 | $143 | $542 | 0.27% |
| NICHOLAS PATRICK EWEN3 | STE 505 8220 SAN PEDRO NE ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $136 | $49 | $185 | 0.09% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 307 | $198K |
| Long-term disability | NORTHWESTERN MUTUAL | 307 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.